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Tokio Marine's Private Motor Insurance is specially designed to protect your car with extra benefits and 24-hour hotline services.

We offer Comprehensive and Third Party Legal Liabilites Cover for your choice.

 
Comprehensive Cover
  • Loss of or damage to your motor car and/or its accessories or spare parts
  • Legal liability for causing third party's death or bodily injury
  • Legal liability for causing third party's property damage
 
Third Party Legal Liabilites Cover
  • Legal liability for causing third party's death or bodily injury
  • Legal liability for causing third party's property damage
 
Additional Benefits for Comprehensive Cover
Additional Benefits
1. New for Old Replacement Vehicle
 
In the event of your motor car having sustained a total loss, we agree to replace the motor car by new vehicle of the same make and model without deducting any depreciation provided that
  1. you are the first registered owner
  2. the loss occurs within the first twelve months of the first registration of the motor car with the Transport Department
  3. the first registration of the motor car with the Transport Department must be made within twelve months from the date of manufacture thereof
  4. the make and model of the motor car is available in Hong Kong Special Administrative Region through authorized dealer
  5. the modifications, if any, are deducted
  6. additional accessories and equipment, other than optional accessories and equipment installed by motor car manufacturer and the value of which is insured, are excluded
  7. the net purchase price of the replacement car does not exceed the Estimated Value of the motor car specified in the Schedule (for details please refer to the insurance policy)
2. Nil Depreciation on Repairs
 
In the event of the accident that repairs to your motor car are required, there will be no deduction made for depreciation on those spare parts which need replacement, provided that
  1. you are the first registered owner
  2. the loss occurs within the first twelve months of the first registration of the motor car with the Transport Department
  3. the first registration of the motor car with the Transport Department must be made within twelve months from the date of manufacture thereof
3. Windscreens / Windows Replacement Extension
 
In respect of loss or damage occasioned to the front windscreen and/or rear window and/or any side windows, excluding any mirrors, sun or glass roofs of any kind, where the repair thereof does not exceed HK$5,000 per policy year, the claims excesses will not be applicable. (for details please refer to the insurance policy)
4. Claim Recovery Service Benefit
 
We will provide claim recovery service to pursue recovery of your un-insured losses incurred as a result of an incident which
  1. has been reported to us and compensation has been paid by us for the damage to your motor car, and
  2. is attributable to the negligence on the part of the third party(ies)

It is also stipulated that
  1. you are required to render full assistance and co-operation with us in the course of the recovery action
  2. no guarantee of a successful recovery action will be made by us, which shall not bear any legal responsibility for the failure of any such action
  3. we reserve all rights at our sole and absolute discretion to discontinue the recovery action whenever we consider appropriate

Legal costs and all relevant disbursements which are necessarily incurred in a recovery action will be jointly borne by you and us in accordance with the proportion of our respective claims.
 
Additional Benefits
5. No Claim Discount Protection
 
If the total claims incurred under any section of the Policy in any one period of insurance do not exceed HK$60,000 or 15% of the Estimated Value of the motor car specified in the Schedule, after the application of any excess, whichever is the lesser amount, you will, at renewal immediately subsequent, be entitled to the same percentage of No Claim Discount as under the current Policy. It is hereby understood and agreed that all claims will be accounted for in the event the No Claim Discount is to be transferred to any other insurance company.
6. Towing Service Benefit
 
If your motor car is immobilized, unfit or unsafe to be driven due to an accident or mechanical breakdown of the motor car, the condition of which is beyond repair at the roadside, we will at our own expense, arrange for the motor car to be towed to any car repairer or any other place in HKSAR requested by you or your authorized driver, provided that the amount recoverable hereunder shall not exceed HK$1,000 per policy year. In such case the motor car must not be left unattended prior to the arrival of the provider of the towing service.
7. Substitute Vehicle Benefit
 
If your motor car is
  1. immobilized, unfit or unsafe to be driven due to an accident to the motor car which requires a repair exceeding forty eight hours, or
  2. discovered stolen and is not found within forty eight hours after such discovery
you are entitled to arrange for yourself the substitute car of make and model equivalent to the motor car and we will reimburse you the expenses incurred, provided that
  1. in the event of immobilization of your motor car or it being unfit or unsafe to be driven, the towing of the motor car subsequent to the accident must be arranged by us
  2. in the event of the motor car being stolen, the statement reporting the loss to the police shall be produced
  3. the make and model of the substitute car is similar or identical to the motor car
  4. you are responsible for 20% of the car rental expense
  5. we are not responsible for the delivery of the substitute car
  6. only you or any of the authorized driver(s) specified in the Policy Schedule can be registered as the driver of the substitute car
We will discontinue to provide the substitute car as soon as the repair of your motor car is duly completed or in the event of your motor car being stolen, as soon as the vehicle is recovered and first handed over to you. Our maximum liability under this benefit is HK$5,000 for each and every accident during the policy year with the daily limit not exceeding HK$1,000. We will only be liable for the actual rental costs. All other costs are your responsibility.
8. Vehicle Assistance Hotline Services
 
You can call our 24-hour hotline at (Hong Kong) 2862-0117 to obtain the following referral services.
(Note: You may need to bear the cost of services, if any, being incurred.)
  1. Emergency Roadside Assistance Referral Service
  2. Towing Service Referral Service
  3. Substitute Vehicle Referral Service
  4. Claim Advisory Service
  5. General Advisory Service
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.